什么是传统IRA?
A 传统的爱尔兰共和军 is a type of individual retirement account in which individuals can make pre-tax contributions and the investments in the account grow tax deferred. Depending on your income, your contribution may be tax deductible. You pay no taxes on any investment earnings until you withdraw or “distribute” the money from your account, 大概是退休了.
使用传统IRA, 提款时你要缴纳普通所得税, 你必须从73岁开始领取养老金.
Unlike with a Roth IRA, there are no income limitations to open a 传统的爱尔兰共和军. It may be a good option for those who expect to be in the same or lower tax bracket in the future.
Due to the Setting Every 社区 Up for Retirement Enhancement Act (SECURE Act), 从2020纳税年度开始, there is no maximum age restriction for making a 传统的爱尔兰共和军 contribution as long as you, 或者你的配偶共同申请, 有收入.